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Good morning my fellow fico'ers. Does anybody know, or perhaps have some experience adding an authorized user to there discover account that has a bad history with a previous discover account of there own?
More specifically, I want to add DW to my Discover account, since it's our daily driver. My concern is that she burned Discover in bk back in 2009 to the tune of $7k. I know that Amex holds a grudge, even against AU's. Im also concerned that Discover will hold this against me when it comes to CLI.
Any thoughts, and or experience in this regards?
Many thanks in advance!
I have never had the experience. But the notion that Discover won't give you a CLI after adding an AU that burn them is not logical. Why? The reason being, it is your credit report that will be used to determine if you qualify for a CLI not the AUs report.